IBAN
IBAN in Kosovo
20 characters, starting with XK. Structure, example and how to check it.
- Length
- 20 characters
- Country code
- XK
- SEPA area
- No
- Example
- XK05 1212 0123 4567 8906
Length, check digits and structure are correct. This does not prove that the account exists or belongs to a given person.
Structure of the Kosovo IBAN (XK)
| Positions | Length | Type | Meaning |
|---|---|---|---|
| 1–2 | 2 | letters | XK Country code |
| 3–4 | 2 | digits | 05 IBAN check digits |
| 5–6 | 2 | digits | 12 Bank code |
| 7–8 | 2 | digits | 12 Branch code |
| 9–18 | 10 | digits | 0123456789 Account number |
| 19–20 | 2 | digits | 06 National check digit |
Other countries
How to check an IBAN from Kosovo
Count the characters: a Kosovo IBAN always has 20. Make sure it starts with XK, then paste it in the checker above: it verifies the two check digits with the mod 97 algorithm and the national structure. A single mistyped character is enough to make the check fail.
The IBAN (International Bank Account Number) identifies a bank account in an unambiguous way across borders. It starts with a two-letter country code, followed by two check digits and the national account number, which contains the bank code, often a branch code, and the account itself. Its length depends on the country: 15 characters in Norway, 27 in Italy and France, up to 33 in Russia.
Questions
How long is an IBAN in Kosovo?
An IBAN in Kosovo has 20 characters, always starting with the country code XK followed by two check digits.
What does an IBAN from Kosovo look like?
A valid example is XK051212012345678906. The real IBAN of an account is printed on the bank statement and shown in the banking app.
Is Kosovo part of SEPA?
No. Kosovo is outside the Single Euro Payments Area: transfers in euros go through the SWIFT network, with correspondent banks and longer timing.
Can I receive euros from Kosovo with iSwiss Pay?
Yes. The iSwiss Pay euro account has a Finnish IBAN and receives SEPA transfers from every bank in the area, including Kosovo, usually within one working day.
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